Ask your PEO regarding the co-employment relationship and claim denial. If you become liable for an injury for someone not currently enrolled or running payroll or even an uninsured sub contractor on the jobsite, the PEO will commonly deny the claim. This leaves you completely exposed personally and corporately to workers compensation claims. Additionally, pull a copy of your insurance policy. PEOs do not provide you with a copy of your coverage primarily because "it is not your coverage". The coverage is in the name of the PEO. Wouldn't you be more comfortable paying premiums for a coverage written in your name?
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